Introducing Fraud Protection Plus—designed to protect program members against the ever-growing threat of identity theft. Once enrolled, our comprehensive program covers you in the unfortunate event that fraud occurs, while also providing fraud-prevention and -detection services to help stop identity theft before it happens.

What are the program benefits?

Included in the Dupaco Community Credit Union Fraud Protection Plus program are the following benefits:

$10,000 Identity Theft Insurance with Fraud Assistance^1: Receive up to $10,000 in financial compensation for qualified expenses, along with Fraud Assistance, a comprehensive service designed to help with the hassle of clearing your good name.

Debix Fraud Defense^TM2: Help stop identity theft before it happens. The Debix Identity Protection Network goes to work at the moment that matters most: when a thief could be attempting to get credit in your name. A credit issuer can choose to trigger a Debix Fraud Alert warning call to you. You use your personal security code to approve the credit—or block it. Without your code, the credit will not be issued.

Card Patrol^SM3: Identity thieves care about one thing—stealing your personal information and selling it to make money. Our sophisticated, real-time, early warning technology monitors various chatrooms across cyberspace for your personal information. In the event that identity theft occurs, you will be assigned a personal caseworker to take you through the resolution process.

Credit Alert^®4: With 24/7/365 credit monitoring, you’ll be alerted automatically of certain negative changes to your credit. While it can’t prevent identity theft, Credit Alert can greatly reduce its impact by allowing you to minimize the damage. If there are no changes to your credit, you’ll even receive a quarterly notification letting you know that nothing has changed. Your initial enrollment in Credit Alert will be valid for one year, with an option to re-enroll at no additional cost!

Payment Card Protection: Protect all your credit, debit, ATM, and check cards in the event of loss or theft! Register your card numbers and, with one phone call, you may cancel cards, stop unauthorized purchases, and request new cards using our toll-free 24-hour number.

What does the Fraud Protection Plus program cost? The comprehensive Fraud Protection Plus package, including $10,000 Identity Theft Insurance with Fraud Assistance, Debix Fraud Defense, Card Patrol, Credit Alert, and Payment Card Protection, is available for just $8.95 per month. As a convenience to you, the monthly charge will be deducted from your credit union share draft checking account. If you do not have a share draft account, the fee will be debited from your share savings account.

How do I enroll? Enroll right now, online, or you can enroll at any credit union location.

1 Identity Theft Insurance is offered through the insurance company named on the Benefit Summary included in the membership kit. Please refer to the Summary for complete details of coverage, limitations, and exclusions. Identity Theft Insurance is not available to residents of the state of New York.

2 When credit issuers receive applications to open new credit accounts in your name, they can take reasonable measures to verify the identity of the person opening the account, including calling Debix Fraud Defense at the phone number shown in the Fraud Alerts placed in your credit files. If the credit issuer calls, Debix Fraud Defense will then call you to verify that you have requested that new credit. However, Debix Fraud Defense cannot guarantee that new credit accounts will not be opened in your name because credit issuers can use reasonable steps, other than a phone call, to verify your identity. Prior to registering for the Debix Fraud Defense benefit, you will be required to affirm that you have a good-faith suspicion that you have been or are about to become a victim of fraud or a related crime, including identity theft.

3 Card Patrol monitors personal information on the Internet by searching public databases and chatrooms. It is impossible to ensure all sources of information have been searched; therefore, your reports may not contain or apprise you of all of your personal information that may have been compromised.

4 Credit Alert is not a credit-counseling service and does not promise to help you obtain a loan or improve your credit record, history, or rating. The Credit Alert service may be modified or improved at any time and without prior notice. Credit Alert is a registered service mark of Affinion Publishing, LLC. Daily monitoring will notify members of any inquiries, significant changes in credit score, certain derogatory information, or accounts that have been added to their credit reports as reported by one of the three major credit-reporting agencies. If no information has been added or changed, then the member will receive a quarterly notification stating that no information has changed within their credit file. Neither the Plan Administrator, the provider of the Credit Alert service, its credit information subcontractors, or the Financial Services Association shall have any liability for the accuracy of the information contained in the Credit Alert reports which you receive, including any liability for damages, direct or indirect, consequential or incidental.